Safe Rate Rankings

Best Conventional Mortgage Lenders in Fayetteville

Updated May 20, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders80

Total Loans5,788

Median Rate Spread0.12%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Exceptional	$440Fees	0.514%Below	269
2	American Security Mortgage Corp.Independent Mortgage Company	Exceptional	Strong	Strong	Strong	Exceptional	$1,807Fees	0.041%Below	151
3	STATE EMPLOYEES'Credit Union	Exceptional	Strong	Exceptional	Strong	Strong	$1,791Fees	0.584%Below	110
4	Truist BankBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,300Fees	0.066%Above	43
5	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,535Fees	0.277%Below	15
6	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,930Fees	0.356%Above	427
7	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,025Fees	0.320%Below	381
8	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$2,881Fees	0.035%Above	82
9	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$1,775Fees	0.021%Above	55
10	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$2,419Fees	0.338%Above	42
11	CREDIT UNION MORTGAGE ASSOCIATION, INC.Independent Mortgage Company	Strong	Exceptional	Strong	Acceptable	Sound	$1,460Fees	0.631%Below	17
12	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,304Fees	0.111%Above	277
13	JET HOMELOANS, LPIndependent Mortgage Company	Strong	Sound	Strong	Strong	Strong	$3,492Fees	0.275%Below	98
14	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$3,311Fees	0.554%Below	93
15	Alcova Mortgage LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,404Fees	0.224%Above	76
16	ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,521Fees	0.091%Above	50
17	First Horizon BankBank	Strong	Sound	Exceptional	Strong	Sound	$1,716Fees	0.047%Above	26
18	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,531Fees	0.310%Above	207
19	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,599Fees	0.099%Below	163
20	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,943Fees	0.118%Above	162
21	SOUTHERN TRUST MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Exceptional	$4,254Fees	0.237%Above	144
22	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$1,424Fees	0.090%Above	84
23	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,101Fees	0.171%Above	62
24	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,785Fees	0.385%Above	59
25	First-Citizens Bank & Trust CompanyBank	Strong	Sound	Strong	Sound	Strong	$1,453Fees	0.104%Below	55
26	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Exceptional	$1,526Fees	0.859%Above	786
27	CORNERSTONE CAPITAL BANK, SSBBank	Strong	Mediocre	Exceptional	Strong	Exceptional	$2,191Fees	0.370%Above	175
28	USAA Federal Savings BankBank	Strong	Sound	Strong	Acceptable	Strong	$1,611Fees	0.200%Below	99
29	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$1,940Fees	0.475%Above	72
30	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,461Fees	0.178%Above	42
31	GoodLeap, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	Sound	$2,552Fees	0.210%Above	36
32	HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,473Fees	0.152%Above	33
33	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,127Fees	0.418%Above	19
34	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Sound	$1,617Fees	0.199%Above	19
35	NFM, INC.Independent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$2,083Fees	0.065%Below	52
36	LoanUnited.com, LLCIndependent Mortgage Company	Strong	Sound	Sound	Acceptable	Strong	$3,337Fees	0.376%Below	44
37	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$1,596Fees	0.130%Above	36
38	ACOPIA, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	Sound	$3,201Fees	0.897%Above	15
39	CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Acceptable	Sound	$4,094Fees	0.343%Above	37
40	ENCOMPASS LENDING GROUP, LPIndependent Mortgage Company	Sound	Acceptable	Sound	Acceptable	Strong	$2,701Fees	0.230%Above	31
41	ROYAL UNITED MORTGAGE LLCIndependent Mortgage Company	Sound	Mediocre	Strong	Strong	Sound	$2,476Fees	1.118%Above	16
42	AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Strong	Acceptable	Sound	$3,338Fees	0.524%Above	16

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.